Funds Transfer API
The total amount to be sent to the recipient.Format:Minimum Value: 0 Maximum value: 999999999.999 Allowed fractional digits: 3Note: If a currency has three decimal places, the last digit of this field must be zero.If a currency has 0 minor unit, this field must carry no fractional points. If a currency has 2 minor units, the field must carry maximum two fractional points.
This contains a code that specifies the network to be used for transmission of the message and determines the program rules that apply to the transaction.Refer to Network IDNote:For ReverseFundsTransactions(AFTR) and MultiReverseFundsTransactions (MULTIAFTR) originators must populate the networkId returned in the original PullFundsTransactions(AFT) and MultiPullFundsTransactions (MULTIAFT) response. Supported only in US for domestic transactions.
When present, this field contains the sender's surcharge as assessed by the originator. Values in this field must be in the same currency and format as defined in the amount field.
This is used to identify the account type of the senderPrimaryAccountNumber in the request. Below are the possible values. 00-Not applicable 10-Saving account 20-Checking account 30-Credit card account 40-Universal accountDefault is set to "00" if not provided.
The Bank Identification Number (BIN) under which your Visa Direct is registered. This must match the information provided during enrollment.
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
If the transaction is a money transfer, pre-paid load, or credit card bill pay, and if the sender intends to fund the transaction with a non-financial instrument (for example, cash), a reference number unique to the sender is required.If the transaction is a funds disbursement, the field is required. This field is required if senderAccountNumber is not sent.
Defines the card scheme selected of a co-badged cards for the transaction.Only 2 values supported.01-Visa02-OtherThe values will expand in future.
This field is optionally used by Push Payments Gateway participants (merchants and acquirers) to specify the network access priority.Refer to Sharing Group CodeNote:Supported only in US for domestic transactions involving Push Payments Gateway Service.
This field contains the merchant account key value for Argentina domestic purchase (POS) transactions, where businessApplicationId is "PS".
Use a 3-character alpha or numeric currency code for currency of the original transaction.Refer to ISO Codes
Use a 3-digit numeric country code for the country of the BIN under which your Visa Direct solution is registered. This must match the information provided during program enrollment.
If present, a valid value is required. Spaces or special characters are not allowed.
If original AFT found, then the value from AFT overrides the one present in the request. If the merchantCategoryCode value is not there in original AFT then this field is populated from AFTR request.If not present in AFT/AFTR, then the value will default to the values provided during onboarding (when the services are provisioned)Note: required if not provided during onboarding
The expiration date for the sender's Visa account number in senderPrimaryAccountNumber.
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.For Argentina domestic purchase transactions the value should be "PS".Refer to businessApplicationId codes
The VisaNet reference number for the transaction. You must use the transactionIdentifier from the initial AFT in this field.
Visa Merchant Identifier assigned by Visa.
This is a number that uniquely identifies the originator when they sign up to send Push Payment Gateway transactions. On enrollment, an originator will get a single pseudo-value that is assigned by Visa. The other networks will assign their own unique values for the originator.Note:Supported only in US for domestic transactions involving Push Payments Gateway Service.
A unique value should be used for each API method. however, when passing the Account Funding Transaction Reversal (AFTR) method, this value must match the systemsTraceAuditNumber previously passed with the AFT method for the current transaction.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
When present, this field contains the IRF fees.
A value used to tie together service calls related to a single financial transaction. When passing Account Funding Transaction (AFT) and Original Credit Transaction (OCT) methods, this value must differ between the two methods. When passing the Account Funding Transaction Reversal (AFTR) method, this value must match the retrievalReferenceNumber previously passed with the AFT method for this transaction.Recommended Format: ydddhhnnnnnnThe first fours digits must be a valid yddd date in the Julian date format, where the first digit = 0-9 (last digit of current year) and the next three digits = 001-366 (number of the day in the year).hh can be the two digit hour in a 24 hour clock (00-23) during which the transaction is performed.nnnnnn can be the systemsTraceAuditNumber or any 6 digit number.
The primary account number of the sender's account.
This flag enables the originator to request for a particular settlement service to be used for settling the transaction. Valid values are: 0 - International Settlement9 - VIP to decide8 - National SettlementNote: The default value is 9. This field is only relevant for specific countries where the acquirer has to select 8 in order to settle in the national net settlement service.
When present, this field contains the sender's foreign exchange markup fee (markup above the wholesale or VisaNet exchange rate as assessed by the originator.Values in this field must be in the same currency and format as defined in the amount field(minimum value is 0).
This field contains merchant payment gateway ID assigned by Mastercard, provided by the acquirer when a registered merchant payment gateway service provider participates in the transaction. Value is right-justified and zero-filled.
Conditional.This field contains the identification number issued to the recipient by the government or an authorized national entity. For Argentina domestic purchase transactions this field contains the merchant’s value-added tax (VAT) registration number.
Reverse Funds Transfer Response
This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
The results of the transaction request Refer to actionCodeNote: The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: The VisaNet Response Source for the transaction
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
This field contains a value that identifies the customer.This field needs to be populated for Argentina domestic purchase transactions where businessApplicationId is "PS".
This field contains the merchant advice code value received from Mastercard authorization response messages.
Example: 2016-01-15T07:03:52.000Z
The VisaNet reference number for the transaction.Note:transactionIdentifier is a Visa generated field that client receives in the response message. Note:As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconcilation.
This field when present in the API response identifies if the transaction is eligible for token services. Valid token service values are: 1 (Token program). This field will not be sent in the response if the transaction is ineligible for token services.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Transaction Link Identifier returned from other networks like MasterCard and Pulse
This field contains the identification number issued to the individual by the government or an authorized national entity. For Argentina domestic purchase transactions, where businessApplicationId is "PS", this field contains the customer’s VAT registration number for tax identification
Reverse Funds Transfer Response
Status Identifier
Pull Multi Funds Transfer Response
The results of the transaction request Refer to actionCodeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to response_codeNote: : The VisaNet Response Source for the transaction
The cavvResultCode identifies the outcome of the CAVV validation. Refer to cavvResultCode
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
This is an alphanumeric value that carries the value that identifies the customer, the value may be a reference number or code or generic number.
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
Example: 2016-01-15T07:03:52.000ZNote: Remove "000Z" if this field value is used for ReverseFundsTransactions POST request or MultiReverseFundsTransactions POST request.
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
ConditionalIf AFT transaction has qualified for CPS then this field contains a code that identifies the applicable interchange reimbursement fee. Possible values are : A (Payment Service Interchange Reimbursement Fee (PSIRF) U.S.).Please reach out to your Visa representative for details.
This field is to allow the application of the interchange discount at the enabler level.
This is an alphanumeric value that contains the customer’s VAT registration number for the individual tax identification. This field is to be populated if the recipient is an Individual (e.g. P2P payments)
ConditionalIndicates whether AFT transaction has qualified for CPS. Possible values are : F (Meets CPS/Account Funding requirements) , N (Not Qualified), T (Not Qualified).Note:Supported only in US for CPS (Custom Payment Service).Please reach out to your Visa representative for details.
Pull Multi Funds Transfer Response
The Bank Identification Number (BIN) under which your Visa Direct is registered. This must match the information provided during enrollment.
Use a 3-digit numeric country code for the country of the BIN under which your Visa Direct solution is registered. This must match the information provided during program enrollment.Refer to ISO Codes
Note: If provided, then the value overrides the one present in onboarding data. If the merchantCategoryCode value is not populated in onboarding data then this field is mandatory.If not provided, then the value will default to the values provided during onboarding (when the services are provisioned).
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.Refer to businessApplicationId codes
Multi Pull Funds Transfer Response
This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
Results of the CVV2 validation for the primaryAccountNumber in the request. When dtvv is provided in cardCvv2Value in the request, cvv2ResultCode will be sent in response along with tokenVerificationResultRefer to cvv2ResultsCode
stringThis field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Multi Pull Funds Transfer Response
The transaction amount to be delivered to the recipient.Format:Minimum Value: 0 Maximum value: 999999999.999 Allowed fractional digits: 3Note: If a currency has three decimal places, the last digit of this field must be zero.
If present, a valid value is required. Spaces or special characters are not allowed. Possible values are : Y (will cause VAU to be performed)
When present, this field contains the sender's surcharge as assessed by the originator. Values in this field must be in the same currency and format as defined in the amount field.
Conditional. If the transaction is a money transfer and cross-border or U.S. domestic, this field must contain the sender's city.If the transaction is a funds disbursement and cross-border or U.S. domestic, this field must contain either the city of the merchant or government entity sending the funds disbursement.If the transaction is a pre-paid load or credit card bill pay and U.S. domestic, this field must contain the sender's city.This field is also conditionally required for domestic Colombia transactions.
Conditional
The sender name can be up to 30 characters long and must be the sender's legal name. If the sender's name is greater than thirty (30) characters, use only the first 30 characters of the name.
Important: Please do not use this field for non-Visa transactions and for domestic Colombia transactions. Use senderFirstName, senderLastName & senderMiddleName instead.
Usage Guidelines:
- If the transaction is a funds disbursement, provide the name of merchant or government entity sending the funds
- If the transaction is a pre-paid load or credit card bill pay and U.S. domestic, provide the cardholder's name
Recommended Format: Last Name/Family Surname 1 + space + Last Name/Family Surname 2 (optional) + space + First Name + space + Middle Initial or Middle Name (optional)
Note:
- This field must not contain a ? (question mark) or any special characters
- Only a valid and legal sender name must be populated in this field
Example: Doe John A
This is used to identify the account type of the recipientPrimaryAccountNumber in the request. Below are the possible values. 00-Not applicable 10-Saving account 20-Checking account 30-Credit card account 40-Universal accountDefault is set to "00" if not provided.
secondaryId is used for C2B use case in the CEMEA region where payee initiates the OCT to the payer. The merchant or acquirer may use this field to obtain an Agreement Id in order to process the request.
The Bank Identification Number (BIN) under which the Visa Direct solution is registered. This must match the information provided during enrollment.
Conditional
Source Amount is required in certain markets to identify the transaction amount entered in the sender's currency code prior to FX conversion by the originating entity.
The cardCvv2Value value provided by the account holder for the recipientPrimaryAccountNumber in the request. cardCvv2Value is required for Mastercard transaction with BAI=GP(Gambling Payout)
ConditionalThis field contains the city name of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions. This field is required for cross-border transactions over CAD1000.00 from Canada
Conditional
The recipient name can be up to 30 characters long and must be the recipient's legal name. If the recipient's name is greater than thirty (30) characters, use only the first 30 characters of the name.
Please do not use this field for non-Visa transactions and for domestic Colombia transactions. Use recipientFirstName, recipientLastName & recipientMiddleName instead.
This field contains the recipient's name and is required for cross-border enhanced money transfer done with Visa cards.
Recommended Format: |Last Name/Family Surname 1 plus space | Last Name/Family Surname 2(optional) plus space | First Name plus space | Middle Initial or Middle Name(optional)
Note:-
- This field must not contain a ? (question mark) or any special characters
- Only a valid and legal recipient name must be populated in this field.
Example: Doe John A
Conditional. If the transaction is a money transfer and cross-border or U.S. domestic, this field must contain the sender's address.If the transaction is a funds disbursement and cross-border or U.S. domestic, this field must contain either the address of the merchant or government entity sending the funds disbursement.If the transaction is a pre-paid load or credit card bill pay and U.S. domestic, this field must contain the sender's address.Note:This field is not applicable for domestic Colombia transactions
Conditional. This field contains the state or province (ISO 3166-2 subdivision) code of the recipient address. Note: It is required for cross-border transactions either originating from or destined to Canada with recipientCountryCode of 840(USA) or 124(CAN).It is also required for Push Payments transactions associated with Gateway Service when recipientCountryCode is either 124(CAN) or 840(USA). (Refer to Mastercard data processing requirements)Note:This field is not applicable for domestic Colombia transactions
ConditionalThis field contains sender's last nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.Maybe needed for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 85
ConditionalThis field contains sender's first nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 83
Conditional. Required, if the transaction is a money transfer, pre-paid load, or credit card bill pay, and if the sender intends to fund the transaction with a non-financial instrument (for example, cash), a reference number unique to the sender is required.Required, if the transaction is a funds disbursement, the field is required.Required, if the transaction will be routed to STAR networks via Visa Push Payments Gateway Service. If this field is sent and transaction is not routed over STAR the field is still sent to the other networks as an optional field. This field is required if senderAccountNumber is not sent.
Conditional. Required if senderCountryCode is either 124(CAN) or 840(USA)Note:This field is not applicable for domestic Colombia transactions
Conditional
This is an alphanumeric value. Purpose of payment is required in certain markets to clearly identify the purpose of the payment based on the standard values defined for respective market.
- For India, Bangladesh, Egypt and Argentina: Purpose of payment is mandatory for all BAIs except CO, CI and MP
- For Chile: Purpose of payment is mandatory for BAI-FD
- For Colombia: Purpose of payment is mandatory for BAI-AA and PP
Defines the card scheme selected of a co-badged cards for the transaction.Only 2 values supported.01-Visa02-OtherThe values will expand in future.
^[a-zA-Z0-9]{2}$Optional.This field identifies if the sender is a business or an individual. The valid value are 'B' for Business and 'I' for Individual.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field contains sender's middle nameUsed when transaction is routed over non Visa networks through Push Payment Gateway Service.Maybe needed for Visa transactions for certain markets. Please check with your Visa contact. Maps to the following ISO 8583 field- Field 56, Tag 84
Account Owner Occupation. Only alpha-numeric data is accepted
Conditional. When present, this field contains the sender's postal code Note: Required when cardAcceptor:address:country is US or CA and for domestic Colombia transactions. Note: For domestic Colombia transactions, the maximum length of this field is 16 characters. For other transactions, the entered value should be between 5 and 10 characters.
Optional.This field contains the street name of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field is optionally used by Push Payments Gateway participants (merchants and acquirers) to specify the network access priority.Refer to Sharing Group CodeNote:Supported only in US for domestic transactions involving Push Payments Gateway Service.
Conditional.This field contains a value that identifies the customer.This field needs to be populated for Argentina domestic transaction where businessApplicationId is "PS".
Conditional.Contains codes that combined with some other fields such as the BAI (Business Application Id) identify some unique use cases. For Sales Tax rebates this field should be populated with the value 5120 (Value-added tax/Sales Tax) along with the businessApplicationId field set to the value 'FD' which indicates this push funds transfer is being conducted in order to facilitate a sales tax refund.
ConditionalThis field contains recipient's last nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 85
Conditional. If the transaction is a money transfer and cross-border or U.S. domestic, this field must contain the sender's country code.If the transaction is a funds disbursement and cross-border or U.S. domestic, this field must contain either the country code of the merchant or government entity sending the funds disbursement.If the transaction is a pre-paid load or credit card bill pay and U.S. domestic, this field must contain the sender's country code.Alpha or numeric country code can be supported.This field is required when sending the transactions to some of the US debit networks and for domestic Colombia transactions.Refer to ISO Codes
This field contains the birth date for the sender.Format: YYYY-MM-DDExample: 2011-12-30
ISO country code of nationality in alphabets.
Conditional. If the transaction is a money transfer, the field is required and must contain a valid sourceOfFundsCode code that matches the funding instrument.If the transaction is a funds disbursement, the field is required and most likely contains a "05" as the sourceOfFundsCode code to identify that the merchant or government entity used a deposit account to fund the disbursementIf the transaction is a pre-paid load, the field is required if the transaction is non-U.S. domestic.If the transaction is a credit bill pay, the field is required if the transaction is non-U.S. domestic, and the sourceOfFundsCode code must not contain a "01" or "06".Refer to sourceOfFundsCode codes
Card Sequence Number
1ConditionalThis field contains recipient's first nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 83
Optional.This field contains the first line of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
Optional.This field contains the second line of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
Conditional
3-character alpha or numeric currency code for currency of the sourceAmount field.
Refer to ISO Codes
Use a 3-digit numeric country code for the country of the BIN under which your Visa Direct solution is registered. This must match the information provided during program enrollment.Refer to ISO Codes
Note: If present, a valid value is required. Spaces or special characters are not allowed.
Optional.This field identifies if the recipient is a business or an individual. The valid value are 'B' for Business and 'I' for Individual.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field contains recipient's middle nameUsed when transaction is routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 84
Account Owner Occupation. Only alpha-numeric data is accepted
ConditionalThis field contains the postal code of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions.
This field contains the street name of the recipient address.Maps to the following ISO 8583 field- Field 56, Tag 88
Conditional
If the transaction is a money transfer, pre-paid load, or credit card bill pay, and if the sender intends to fund the transaction with a financial instrument (for example, debit card), this field is required and must contain the sender's account number. If the transaction is a funds disbursement, the field is not required.
Note: This is a 16-digit PAN or token which defines the account of the consumer (sender of push payment).
Note: PAN or a network token must not be used if Payment Credential Reference is used to send sender's PCI Token Reference ID.
Only one of 'senderAccountNumber' and 'senderPaymentCredentialReference' is provided in a request
This field contains sender's middle initial.Note:This field is not applicable for domestic Colombia transactions.
Conditional.If provided, then the value overrides the one present in onboarding data. If the merchantCategoryCode value is not populated in onboarding data then this field is mandatory.Note: required if not provided during onboarding
Conditional. This field contains the ISO 3166-1 country code of the recipient address.Refer to ISO CodesNote: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions.
Account Owner Date of Birth.(format YYYY-MM-DD)
\d\d\d\d\-\d\d\-\d\dISO country code of nationality in alphabets.
Optional.This field contains the house or the building number of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
ISO country code of birth in alphabets
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.For Money Transfer, CD (Cash Deposit) applies to cash funded transactions.For Argentina domestic purchase transactions the value should be "PS".For Request To Pay, city will carry Invoice Id which will be used for C2B use case in the CEMEA region where payee initiates the OCT to the payer.Refer to businessApplicationId codes
AAConditional.This field contains the first line of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions. This field is required for cross-border transactions over CAD1000.00 from Canada
Optional. This field contains the second line of the recipient address.
Conditional.The VisaNet transaction identifier. If you have previously sent an AFT, this field must include the VisaNet transaction identifier returned in the AFT response. For Faster Refunds OCTs, clients are required to include the Visa Transaction ID from the original purchase transaction.
When present, this field contains recipient's middle initial.Note:Supported for Push Payments transactions associated with Gateway Service. (Refer to Mastercard data processing requirements)
Visa Merchant Identifier assigned by Visa.Note: For BAI as MI, either this field or cardAcceptor.paymentFacilitator.id or both should be present.
Conditional.This is a number that uniquely identifies the originator when they sign up to send Push Payment Gateway transactions. On enrollment, an originator will get a single pseudo-value that is assigned by Visa. The other networks will assign their own unique values for the originator.Note:Supported only in US for domestic transactions involving Push Payments Gateway Service.
Optional. This field contains the house or building number of the recipient address.
Conditional. This field contains the expiration date for the recipient's primary account number or token in recipientPrimaryAccountNumber.Note: Visa requires expiration date to be present in all OCTs destined to U.S. issuersFormat: YYYY-MM Example: 2021-10
ISO country code of birth in alphabets
A unique value should be used for each API method. However, when passing the (AFTR) method, this value must match the systemsTraceAuditNumber previously passed with the AFT method for the current transaction.
3-character alpha or numeric currency code of the transaction as expressed in the amount field. This can be either:The originator's chosen currency for the transaction ORThe recipient's card currency (refer to the billingCurrency obtained from the Funds Transfer Attribute Inquiry API)*Adjust amount accordingly based on chosen transactionCurrencyCode.*Note: This currency may not always be the local currency code of the recipient.Refer to ISO Codes
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
This field contains the local date and time when the transaction is submitted by a merchant, service provider or acquirer. Format: YYYY-MM-DDThh:mm:ssExample: 2011-12-30T21:32:52
When present, this field contains the IRF fees.Format:Minimum Value: 0 Maximum value: 999999999.999 Allowed fractional digits: 3.Note: If a currency has three decimal places, the last digit of this field must be zero.
A value used to tie together service calls related to a single financial transaction. When passing Account Funding Transaction (AFT) and an Original Credit Transaction (OCT) methods, this value must differ between the two methods. When passing the Account Funding Transaction Reversal (AFTR) method, this value must match the retrievalReferenceNumber previously passed with the AFT method for this transaction. Recommended Format : ydddhhnnnnnnThe first fours digits must be a valid yddd date in the Julian date format, where the first digit = 0-9 (last digit of current year) and the next three digits = 001-366 (number of the day in the year). hh can be the two digit hour in a 24 hour clock (00-23) during which the transaction is performed. nnnnnn can be the systemsTraceAuditNumber or any 6 digit number.
A blob containing the Chip card data in TLV format.
8201495F2A0201245F34010182021C008407A0000000031010950580000000009A031102249B0268009C01009F02060000000000009F03060000000000009F0607A00000000310109F0802008C9F0902008C9F100706010A039000009F1A0201249F2608423158936ED6C38F9F2701809F3303E0B0C89F34034103029F3501229F360200019F3704ACAC66E89F5800DF0100DF0200DF0400Account owner email address.
This flag enables the originator to request for a particular settlement service to be used for settling the transaction. Valid values are: 0 - International Settlement9 - VIP to decide8 - National SettlementNote: The default value is 9. This field is only relevant for specific countries where the acquirer has to select 8 in order to settle in the national net settlement service.
Account owner email address.
This is a 16-digit PAN or token for the account of the recipient of push payment. Conditional Only one of 'recipientPrimaryAccountNumber' and 'recipientPaymentCredentialReference' is provided in a request
Optional. This field contains the ISO subdivision minor code (for e.g. a county within a state) of the recipientNote:This field is not applicable for domestic Colombia transactions address.
This field contains merchant payment gateway ID assigned by Mastercard, provided by the acquirer when a registered merchant payment gateway service provider participates in the transaction. Value is right-justified and zero-filled.
Conditional.This is an alphanumeric value that carries the sender's identification number issued to the sender by the government or an authorized national entity. This field is to be used if the sender is a business (e.g. Disbursements) Note: If senderIdentificationNumberIndividual is not populated, then this field needs to be populated mandatorily for Brazil domestic transactions.
Conditional.This field contains the identification number issued to the individual by the government or an authorized national entity. For Argentina domestic purchase transactions this field contains the customer’s VAT registration number for tax identification.
Conditional.Push Funds Transfer Response
Conditional.This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
The results of the transaction request Refer to action codeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to response CodeNote: : The VisaNet Response Source for the transaction
Results of the CVV2 validation for the primaryAccountNumber in the request. When dtvv is provided in cardCvv2Value in the request, cvv2ResultCode will be sent in response along with tokenVerificationResultRefer to cvv2ResultsCode
Min Inclusive: -999999999.999Max Inclusive: 999999999.999Note: Applicable only for Top Up Transactions
Conditional This field will be part of response in case of time out scenarios and this field will be later used in GET pushfundstransactions call to see the status of original transaction that timed out.
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
This field contains the merchant advice code value received from Mastercard authorization response messages.
This field contains the date and time the request is submitted to VisaNet.Format: yyyy-MM-ddTHH:mm:ss.SSSExample: 2018-11-09T22:52:46.000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client receives in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
Refer to ISO Codes
This field when present in the API response identifies if the transaction is eligible for token services. Valid token service values are: 1 (Token program). This field will not be sent in the response if the transaction is ineligible for token services.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
A value used to tie together service calls related to a single financial transaction. When passing Account Funding Transaction (AFT) and an Original Credit Transaction (OCT) methods, this value must differ between the two methods. When passing the Account Funding Transaction Reversal (AFTR) method, this value must match the retrievalReferenceNumber previously passed with the AFT method for this transaction. Recommended Format : ydddhhnnnnnnThe first fours digits must be a valid yddd date in the Julian date format, where the first digit = 0-9 (last digit of current year) and the next three digits = 001-366 (number of the day in the year). hh can be the two digit hour in a 24 hour clock (00-23) during which the transaction is performed. nnnnnn can be the systemsTraceAuditNumber or any 6 digit number.
A Visa-defined code indicating Online Card Authentication Method results. Refer to cardAuthenticationResults (https://developer.visa.com/request_response_codes#cardAuthenticationResults)
A blob containing the Chip card data in TLV format.
8201495F2A0201245F34010182021C008407A0000000031010950580000000009A031102249B0268009C01009F02060000000000009F03060000000000009F0607A00000000310109F0802008C9F0902008C9F100706010A039000009F1A0201249F2608423158936ED6C38F9F2701809F3303E0B0C89F34034103029F3501229F360200019F3704ACAC66E89F5800DF0100DF0200DF0400The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Transaction Link Identifier returned from other networks like MasterCard and Pulse
Conditional.Push Funds Transfer Response
The Bank Identification Number (BIN) under which your Visa Direct is registered. This must match the information provided during enrollment.
Use a 3-digit numeric country code for the country where the Visa Direct solution is registered. This must match the information provided during program enrollment.Refer to ISO Codes
If original AFT found, then the value from AFT overrides the one present in the AFTR request. If the merchantCategoryCode value is not there in original AFT then this field is populated from AFTR request.If not present in AFT/AFTR, then the value will default to the values provided during onboarding (when the services are provisioned)Note: required if not provided during onboarding
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.Refer to businessApplicationId codes
Multi Reverse Funds Transfer Response
This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Multi Reverse Funds Transfer Response
transaction-id
Reverse Funds Transfer Response
The results of the transaction request Refer to actionCodeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: : The VisaNet Response Source for the transaction
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
This is an alphanumeric value that carries the value that identifies the customer, the value may be a reference number or code or generic number. This field to be populated for Argentina domestic transactions when businessApplicationId has PS.
Example: 2016-01-15T07:03:52:000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
This is an alphanumeric value that contains the customer’s VAT registration number for the individual tax identification. This field is to be populated if the recipient is an Individual (e.g. P2P payments). This field to be populated for Argentina domestic transactions when businessApplicationId has PS.
Reverse Funds Transfer Response
statusIdentifier
Pull Funds Transfer Response
This field will be present in a partially approved AFT transaction. It will contain the original transaction amount (i.e. the "amount" field value in the AFT request) . This amount will be represented in the transaction currency (i.e. senderCurrencyCode value in AFT request).
The results of the transaction request Refer to actionCode
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: : The VisaNet Response Source for the transaction
This field will be present in a partially approved AFT transaction. It will contain the amount approved by the card issuer, and is represented in the transaction currency (i.e. senderCurrencyCode value in AFT request).
The cavvResultCode identifies the outcome of the CAVV validation. Refer to cavvResultCode
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
This is an alphanumeric value that carries the value that identifies the customer, the value may be a reference number or code or generic number.
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
Example: 2016-01-15T07:03:52.000ZNote: Remove "000Z" if this field value is used for ReverseFundsTransactions POST request or MultiReverseFundsTransactions POST request.
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
If AFT transaction has qualified for CPS then this field contains a code that identifies the applicable interchange reimbursement fee. Possible values are : A (Payment Service Interchange Reimbursement Fee (PSIRF) U.S.)
Transaction Link Identifier returned from other networks like MasterCard and Pulse
Results of the Address Verification Service (AVS) validation for the Primary Account Number. Refer to addressVerificationResults
stringThis is an alphanumeric value that contains the customer’s VAT registration number for the individual tax identification. This field is to be populated if the recipient is an Individual (e.g. P2P payments)
ConditionalIndicates whether AFT transaction has qualified for CPS. Possible values are : F (Meets CPS/Account Funding requirements) , N (Not Qualified), T (Not Qualified)Note:Supported only in US for CPS (Custom Payment Service). Please reach out to your Visa representative for details.
Pull Funds Transfer Response
The Cardholder Authentication Verification Value (CAVV) is a value generated by an Access Control Server (ACS) and signed by the Issuer using account and password information of cardholders registered for the Verified by Visa (also known as Visa Secure) program. This field should be in hexabinary format.
The Token Authentication Verification Value (TAVV) is a value generated using tokenized PAN by Visa Token Service (VTS) and signed by the Issuer. This field should be in hexabinary format. Note: A token should be send (instead of a PAN) in senderPrimaryAccountNumber field while sending a TAVV cryptogram.
The amount of the transaction, inclusive of all fees you assess for the transaction, including currency conversion fees. If the originator is populating the surcharge or foreignExchangeFeeTransaction field, they must be included in the amount field. Format:Minimum Value: 0 Maximum value: 999999999.999 Allowed fractional digits: 3Note: If a currency has three decimal places, the last digit of this field must be zero.If a currency has 0 minor unit, this field must carry no fractional points.If a currency has 2 minor units, the field must carry maximum two fractional points.
If present, a valid value is required. Spaces or special characters are not allowed. Possible values are : Y (will cause VAU to be performed)
When present, this field contains the sender's surcharge as assessed by the originator. Values in this field must be in the same currency and format as defined in the amount field.
When present, this field contains sender's city
Conditional.The Sender Name can be up to 30 characters long and must be the sender's legal name. If the sender's name is greater than thirty (30) characters, use only the first 30 characters of the name.Please do not use this field for non Visa transactions and for domestic Colombia transactions. Use senderFirstName, senderLastName & senderMiddleName instead.If the transaction is a funds disbursement, provide the name of merchant or government entity sending the funds.If the transaction is a pre-paid load or credit card bill pay and U.S. domestic, provide the cardholder's name.Recommended Format: Last Name/Family Surname 1 plus space | Last Name/Family Surname 2(optional) plus space | First Name plus space | Middle Initial or Middle Name(optional)Note:- This field must not contain a ? (Question mark) or any special characters- Only a valid and legal recipient name must be populated in this fieldExample: Doe John A
This is used to identify the account type of the senderPrimaryAccountNumber in the request. Below are the possible values. 00-Not applicable 10-Saving account 20-Checking account 30-Credit card account 40-Universal accountDefault is set to "00" if not provided.
The Bank Identification Number (BIN) under which your Visa Direct is registered. This must match the information provided during enrollment.
A blob containing the Chip card data in TLV format
8201495F2A0201245F34010182021C008407A0000000031010950580000000009A031102249B0268009C01009F02060000000000009F03060000000000009F0607A00000000310109F0802008C9F0902008C9F100706010A039000009F1A0201249F2608423158936ED6C38F9F2701809F3303E0B0C89F34034103029F3501229F360200019F3704ACAC66E89F5800DF0100DF0200DF0400The cardCvv2Value value provided by the account holder for the senderPrimaryAccountNumber in the request.
ConditionalThis field contains the city name of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions.
Conditional.Please do not use this field for non Visa transactions and for domestic Colombia transactions. Use recipientFirstName, recipientLastName & recipientMiddleName instead.This field contains the recipient's name and is required for cross-border enhanced money transfer done with Visa cards.Recommended Format: Last Name/Family Surname 1 + Space + Last Name/Family Surname 2 (optional) + Space + First Name/Given Name + Space + Middle Initial or Middle name (optional) + spaceExample: Doe John A
When present, this field contains sender's AddressNote:This field is not applicable for domestic Colombia transactions
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
Required if RecipientCountryCode is either 124(CAN) or 840(USA)Note:This field is not applicable for domestic Colombia transactions
ConditionalThis field contains sender's last nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.Maybe needed for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 85
ConditionalThis field contains sender's first nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 83
If the transaction is a money transfer, pre-paid load, or credit card bill pay, and if the sender intends to fund the transaction with a non-financial instrument (for example, cash), a reference number unique to the sender is required.If the transaction is a funds disbursement, the field is required. This field is required if senderAccountNumber is not sent.
Conditional.Required if senderCountryCode is either 124(CAN) or 840(USA)Note:This field not applicable for domestic Colombia transactions
Conditional.This is an alphanumeric value.Purpose of payment is required in certain markets to clearly identify the purpose of the payment based on the standard values defined for respective market.For India, Bangladesh, Egypt and Argentina-Purpose of payment is mandatory for all BAIs except CO,CI and MPFor Chile-Purpose of payment is mandatory for BAI-FD For Colombia-Purpose of payment is mandatory for BAI-AA and PP
Defines the card scheme selected of a co-badged cards for the transaction.Only 2 values supported.01-Visa02-OtherThe values will expand in future.
Optional.This field identifies if the sender is a business or an individual. The valid value are: 'B' for Business and 'I' for Individual.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field contains sender's middle nameUsed when transaction is routed over non Visa networks through Push Payment Gateway Service.Maybe needed for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 84
Account Owner Occupation. Only alpha-numeric data is accepted
When present, this field contains the sender's postal codeNote: For domestic Colombia transactions, the maximum length of this field is 16 characters. For other transactions, the entered value should be between 5 and 10 characters.
Optional.This field contains the street name of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field is optionally used by Push Payments Gateway participants (merchants and acquirers) to specify the network access priority.Refer to Sharing Group CodeNote:Supported only in US for domestic transactions involving Push Payments Gateway Service.
Conditional. This field contains the merchant account key value for Argentina domestic purchase (POS) transactions, where businessApplicationId is "PS".
Conditional. This field is required to identify whether a transaction is merchant-initiated. Note: Message reason code and POS Environment fields are mutually exclusive.Refer to Meassage Reason Codes
ConditionalThis field contains recipient's last nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 85
when present, this field contains sender's country code Refer to ISO Codes
Account Owner Date of Birth.(format YYYY-MM-DD)
ISO country code of nationality in alphabets.
when present, this field contain a valid sourceOfFundsCode code that matches the funding instrument. Refer to sourceOfFundsCode codes
ConditionalThis field contains recipient's first nameRequired for transaction routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 83
Optional.This field contains the first line of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
Optional.This field contains the second line of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
Use a 3-digit numeric country code for the country of the BIN under which your Visa Direct solution is registered. This must match the information provided during program enrollment.Refer to ISO Codes
If present, a valid value is required. Spaces or special characters are not allowed.
This field contains Mastercard e-commerce Universal Cardholder Authentication data in encrypted form. It may also contain Mastercard telephone order data.
Optional.This field identifies if the recipient is a business or an individual. The valid value are: 'B' for Business and 'I' for Individual.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field contains recipient's middle nameUsed when transaction is routed over non Visa networks through Push Payment Gateway Service.This may also be required for Visa transactions for certain markets. Please check with your Visa contact.Maps to the following ISO 8583 field- Field 56, Tag 84
Account Owner Occupation. Only alpha-numeric data is accepted
ConditionalThis field contains the postal code of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions.
This field contains the street name of the recipient address.Maps to the following ISO 8583 field- Field 56, Tag 88
When present, this field contains the sender's account number. This field is mandatory in XB AFTs it will contain the destination account number being funded with the AFT (e.g. IBAN number for loading a bank account, proprietary wallet number for loading a wallet, prepaid PAN number for loading a card, money transfer operator proprietary account number with acquirer for funding a money transfer).
This field contains sender's middle initialNote:This field is not applicable for domestic Colombia transactions
Note: If provided, then the value overrides the one present in onboarding data. If the merchantCategoryCode value is not populated in onboarding data then this field is mandatory.If not provided, then the value will default to the values provided during onboarding (when the services are provisioned).
when present, this field contains recipient's country code Refer to ISO Codes
Account Owner Date of Birth.(format YYYY-MM-DD)
ISO country code of nationality in alphabets.
Optional.This field contains the house or the building number of the sender address.Note:This field is only applicable for domestic Colombia transactions. For other transactions, if the field is provided, it will be dropped.
This field contains the expiration date for the sender's Visa account number or token in senderPrimaryAccountNumberFormat: YYYY-MMExample: 2021-10
ISO country code of birth in alphabets
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.For Argentina domestic purchase transactions the value should be "PS".Refer to businessApplicationId codes
Conditional. This field is required to identify whether a transaction is merchant-initiated Note: Merchants must link the Merchant-Initiated Transaction with the original transaction using the Transaction Identifier that was generated for the original cardholder initiated transaction. However, for standing-instruction MITs (i.e., recurring, installment, and unscheduled COF), acquirers can use the Transaction Identifier generated for the previous transaction in the series to link the subsequent transactions.
Conditional.This field contains the first line of the recipient address.Note: It is required for cross-border transactions that are originating from or destined to Canada and for domestic Colombia transactions.
Optional. This field contains the second line of the recipient address.
When present, this field contains recipient's middle initialNote:This field is not applicable for domestic Colombia transactions
Visa Merchant Identifier assigned by Visa.
This is a number that uniquely identifies the originator when they sign up to send Push Payment Gateway transactions. On enrollment, an originator will get a single pseudo-value that is assigned by Visa. The other networks will assign their own unique values for the originator.Note:Supported only in US for domestic transactions involving Push Payments Gateway Service.
Optional. This field contains the house or building number of the recipient address.
ISO country code of birth in alphabets
A unique value should be used for each API method. However, when passing the (AFTR) method, this value must match the systemsTraceAuditNumber previously passed with the AFT method for the current transaction.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
This field contains the local date and time of the transaction takes place originated from merchant, service provider or acquirer.Format: YYYY-MM-DDThh:mm:ssExample: 2011-12-30T21:32:52
If present, this field should contain the IRF fees.
A value used to tie together service calls related to a single financial transaction. When passing Account Funding Transaction (AFT) and Original Credit Transaction (OCT) methods, this value must differ between the two methods. When passing the Account Funding Transaction Reversal (AFTR) method, this value must match the retrievalReferenceNumber previously passed with the AFT method for this transaction.Recommended Format: ydddhhnnnnnnThe first fours digits must be a valid yddd date in the Julian date format, where the first digit = 0-9 (last digit of current year) and the next three digits = 001-366 (number of the day in the year).hh can be the two digit hour in a 24 hour clock (00-23) during which the transaction is performed.nnnnnn can be the systemsTraceAuditNumber or any 6 digit number.
Transaction Link Identifier returned from other networks like MasterCard and Pulse
Originators may choose to specify any or all of the following optional parameters to receive as part of the API response.E.g. Originators may specify comma-separated, optional parameters such as optionalResponseParameters (motoECIIndicator), if they want to receive motoECIIndicator in the API response.motoECIIndicator: Identifies the level of security used in an electronic commerce transaction over an open network (for example, the Internet) or the type of mail or telephone order. Acquirers supply indicator values, which V.I.P. forwards in requests and advices to issuers that have successfully tested to receive them. The subfield is dropped if issuers have not successfully completed testing or choose not to receive it. Refer to Moto ECI CodesE.g. optionalResponseParameters (motoECIIndicator)
Account owner email address.
This is a 16-digit PAN or token of the sender's account.
This flag enables the originator to request for a particular settlement service to be used for settling the transaction. Valid values are: 0 - International Settlement9 - VIP to decide8 - National SettlementNote: The default value is 9. This field is only relevant for specific countries where the acquirer has to select 8 in order to settle in the national net settlement service.
When present, this field contains the sender's foreign exchange markup fee (markup above the wholesale or VisaNet exchange rate as assessed by the originator). Values in this field must be in the same currency and format as defined in the amount field.
Account owner email address.
Optional. This field contains the ISO subdivision minor code (for e.g. a county within a state) of the recipient address.Note:This field is not applicable for domestic Colombia transactions
This field contains a merchant identifier encoded as Base64. For example website URL or reverse domain name.
E-commerce indicator that Mastercard Universal Cardholder Authentication data is included in the message.
This field contains merchant payment gateway ID assigned by Mastercard, provided by the acquirer when a registered merchant payment gateway service provider participates in the transaction. Value is right-justified and zero-filled.
Conditional.This is an alphanumeric value that carries the recipient's identification number issued to the recipient by the government or an authorized national entity. This field is to be used if the recipient is a business (e.g. Disbursements) If recipientIdentificationNumberIndividual is not populated, then this field needs to be populated mandatorily for Brazil domestic trasactions when businessApplicationId has any of the below values:AAPPTUBIWTFTFor Argentina domestic purchase transactions this field contains the merchant’s value-added tax (VAT) registration number or single business reference number (SBRN).
Conditional.This is an alphanumeric value that carries the recipient's identification number issued to the recipient by the government or an authorized national entity. This field is to be used if the recipient is an Individual (e.g. P2P payments) If recipientIdentificationNumberBusiness is not populated, then this field needs to be populated mandatorily for Brazil domestic trasactions when businessApplicationId has any of the below values: AA PP TU BI WT FT
ConditionalRequest for CPS authorization. If present, a valid value is required. Spaces or special characters are not allowed. Possible values are : Y (Transaction requests participation)Note: Supported only in US for CPS (Custom Payment Service).This field is required for the transaction to qualify for CPS qualified Interchange rates and to avoid the Transaction Integrity Fee.Please reach out to your Visa representative for details.
This field contains Mastercard digital payment/Cryptogram data associated with the token.
Pull Funds Transfer Response
This field will be present in a partially approved AFT transaction. It will contain the original transaction amount (i.e. the "amount" field value in the AFT request) . This amount will be represented in the transaction currency (i.e. senderCurrencyCode value in AFT request).
This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
The results of the transaction request Refer to actionCode
This field contains the last four digits of the cardholder primary account number (PAN), when a token (instead of a PAN) is used in the transaction.
The authorization code from the issuer.
A blob containing the Chip card data in TLV format
8201495F2A0201245F34010182021C008407A0000000031010950580000000009A031102249B0268009C01009F02060000000000009F03060000000000009F0607A00000000310109F0802008C9F0902008C9F100706010A039000009F1A0201249F2608423158936ED6C38F9F2701809F3303E0B0C89F34034103029F3501229F360200019F3704ACAC66E89F5800DF0100DF0200DF0400The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: : The VisaNet Response Source for the transaction
This field will be present in a partially approved AFT transaction. It will contain the amount approved by the card issuer, and is represented in the transaction currency (i.e. senderCurrencyCode value in AFT request).
The cavvResultCode identifies the outcome of the CAVV validation.Note: When using dual cryptograms (both TAVV and CAVV ), If TAVV is valid than cavvResultCode would convey the outcome of the CAVV validation. Refer to cavvResultCode
Results of the CVV2 validation for the primaryAccountNumber in the request. When dtvv is provided in cardCvv2Value in the request, cvv2ResultCode will be sent in response along with tokenVerificationResultRefer to cvv2ResultsCode
stringThis field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
ConditionalThis field contains a value that identifies the customer.
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
This field contains the merchant advice code value received from Mastercard authorization response messages.
This field contains the local date and time when the transaction is submitted by a merchant, service provider or acquirer.Note: The .SSS portion received in the PullFundsTransactions POST response will be ignored in the following ReverseFundsTransactions POST request or MultiReverseFundsTransactions POST request.Format: yyyy-MM-ddTHH:mm:ss.SSSExample: 2016-01-15T07:03:52.000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
ConditionalIf AFT transaction has qualified for CPS then this field contains a code that identifies the applicable interchange reimbursement fee. Possible values are : A (Payment Service Interchange Reimbursement Fee (PSIRF) U.S.).Please reach out to your Visa representative for details.
This field when present in the API response identifies if the transaction is eligible for token services. Valid token service values are: 1 (Token program). This field will not be sent in the response if the transaction is ineligible for token services.
Enabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Transaction Link Identifier returned from other networks like MasterCard and Pulse
Results of the Address Verification Service (AVS) validation for the Primary Account Number. Refer to addressVerificationResults
stringConditionalThis field contains the identification number issued to the individual by the government or an authorized national entity. For Argentina domestic purchase transactions this field contains the customer’s VAT registration number for tax identification.
This field contains the security-level indicator for Mastercard issuer-authenticated transactions.
ConditionalIndicates whether AFT transaction has qualified for CPS. Possible values are : F (Meets CPS/Account Funding requirements) , N (Not Qualified), T (Not Qualified).Note: Supported only in US for CPS (Custom Payment Service). Please reach out to your Visa representative for details.
Pull Funds Transfer Response
The Bank Identification Number (BIN) under which the Visa Direct solution is registered. This must match the information provided during enrollment.
Contains codes that combined with some other fields such as the BAI (Business Application Id) identify some unique use cases. For Sales Tax rebates this field should be populated with the value 5120 (Value-added tax/Sales Tax) along with the businessApplicationId field set to the value 'FD' which indicates this push funds transfer is being conducted in order to facilitate a sales tax refund.
Use a 3-digit numeric country code for the country of the BIN under which your Visa Direct solution is registered. This must match the information provided during program enrollment.Refer to ISO Codes
If provided, then the value overrides the one present in onboarding data. If the merchantCategoryCode value is not populated in onboarding data then this field is mandatory.If not provided, then the value will default to the values provided during onboarding (when the services are provisioned)Note: required if not provided during onboarding
Identifies the programs' business application type for VisaNet transaction processingFor Money Transfer, AA applies to transactions where the sender and recipient are the same person and PP applies to transactions where the sender and recipient are not the same person.For Money Transfer, CD (Cash Deposit) applies to cash funded transactions.Refer to businessApplicationId codes
When present, this field contains the IRF fees.
This flag enables the originator to request for a particular settlement service to be used for settling the transaction. Valid values are: 0 - International Settlement9 - VIP to decide8 - National SettlementNote: The default value is 9. This field is only relevant for specific countries where the acquirer has to select 8 in order to settle in the national net settlement service.
This is an alphanumeric value that carries the sender's identification number issued to the sender by the government or an authorized national entity. This field is to be used if the sender is a business (e.g. Disbursements) Note: If senderIdentificationNumberIndividual is not populated, then this field needs to be populated mandatorily for Brazil domestic transactions.
This is an alphanumeric value that carries the sender's identification number issued to the sender by the government or an authorized national entity or contains the customer’s VAT registration number for the individual tax identification. This field is to be used if the sender is an Individual (e.g. P2P payments), Note: If senderIdentificationNumberBusiness is not populated, then this field needs to be populated mandatorily for Brazil domestic transactions.If businessApplicationId has PS, then this field to be populated for Argentina domestic transaction.
Multi Push Funds Transfer Response
This contains a code that identifies the network on which the transaction was processed.Refer to Network IDNote:This field is returned only if it is anything other than networkId value 2.Supported only in US for domestic transactions.
Results of the CVV2 validation for the primaryAccountNumber in the request. When dtvv is provided in cardCvv2Value in the request, cvv2ResultCode will be sent in response along with tokenVerificationResultRefer to cvv2ResultsCode
stringEnabler Verification Value (EVV) is a Visa assigned value that is used to identify enablers that participate in certain programs. The EVV is unique to the enabler.
The concatenated Merchant Verification Value of Visa assigned and Acquirer assigned value is returned.
Multi Push Funds Transfer Response
Status Identifier
Multi Reverse Funds Transfer Response
The results of the transaction request Refer to actionCodeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: : The VisaNet Response Source for the transaction
This field can be optionally used to send and receive comments by service providers. Issuers can optionally include new text in this field in the response. If the issuer does not include this field, Visa will inject the value from the request in the response and send it back to the service provider.
This is an alphanumeric value that carries the value that identifies the customer, the value may be a reference number or code or generic number. This field to be populated for Argentina domestic transactions when businessApplicationId has PS.
Example: 2016-01-15T07:03:52:000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
This field is to allow the application of the interchange discount at the enabler level.
This is an alphanumeric value that contains the customer’s VAT registration number for the individual tax identification. This field is to be populated if the recipient is an Individual (e.g. P2P payments). This field to be populated for Argentina domestic transactions when businessApplicationId has PS.
Multi Reverse Funds Transfer Response
Status Identifier
Push Funds Transfer Response
The results of the transaction request Refer to action codeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to response codeNote: : The VisaNet Response Source for the transaction
Min Inclusive: -999999999.999Max Inclusive: 999999999.999Applicable only for Top Up Transactions
required when call times out
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
This field contains the merchant advice code value received from Mastercard authorization response messages.
Example: 2016-01-15T07:03:52.000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
Applicable only for Top Up Transactions
Transaction Link Identifier returned from other networks like MasterCard and Pulse
Push Funds Transfer Response
Status Identifier
Multi Push Funds Transfer Response
The results of the transaction request Refer to Action CodeNote: : The VisaNet Response Code for the transaction
This field contains the last four digits of the cardholder primary account number (PAN)
The authorization code from the issuer.
The source for the response; typically, either the recipient issuer or a Visa system.Refer to responseCodeNote: : The VisaNet Response Source for the transaction
Min Inclusive: -999999999.999Max Inclusive: 999999999.999Applicable only for Top Up Transactions
required when call times out
The action code of the original transaction request Refer to actionCode Note: This field is only present, when the request is identified as a duplicate.
Example: 2016-01-15T07:03:52.000Z
The VisaNet reference number for the transactionNote: transactionIdentifier is a Visa generated field that client recieves in the response message.Note: As an exception Visa allows clients to use the transactionIdentifier received in the AFT response into the subsequent OCT message - this is to simplify matching the pull and push transaction pair and reconciliation.
This field is to allow the application of the interchange discount at the enabler level.
A value used to tie together service calls related to a single financial transaction. When passing Account Funding Transaction (AFT) and an Original Credit Transaction (OCT) methods, this value must differ between the two methods. When passing the Account Funding Transaction Reversal (AFTR) method, this value must match the retrievalReferenceNumber previously passed with the AFT method for this transaction. Recommended Format : ydddhhnnnnnnThe first fours digits must be a valid yddd date in the Julian date format, where the first digit = 0-9 (last digit of current year) and the next three digits = 001-366 (number of the day in the year). hh can be the two digit hour in a 24 hour clock (00-23) during which the transaction is performed. nnnnnn can be the systemsTraceAuditNumber or any 6 digit number.
Multi Push Funds Transfer Response
Last updated